Personal protection

Simple Life Insurance

Affordable life cover

Simple Life Insurance offers your clients protection that helps cover the essentials

Enhanced cover and additional options aren't for everyone. Aviva's Simple Life Insurance could give your clients peace of mind without breaking the bank.

With clear eligibility criteria, instant decisions and no need for medical evidence as standard, Simple Life Insurance offers straightforward, value for money protection from a brand you can trust.

Immediate cover

Instant decisions and no medical referrals as standard

Essential protection

No fuss – easy life cover from £3.50 a month

Claims you can count on

In 2019, we paid out 98.6% of life insurance and terminal illness claims

Please enable your browser JavaScript to view the video

Product details

Why Simple Life Insurance?

We’re committed to making it as easy as possible for you to understand which of your clients Simple Life Insurance could be right for.

Use our helpful support materials below to find out more about Simple Life  Insurance.

Underwriting Guide

Adviser Guide

Customer Guide

Simple Life Insurance vs Life Insurance+ Product Comparison

Features and benefits

Simple Life Insurance comes with a number of benefits available at no extra cost:

  • Simple Life Insurance offers essential protection for your clients
  • Guaranteed Lump sum on death
  • Terminal Illness cover included
  • Guaranteed premiums starting from as little as £3.50
  • Level or Decreasing cover with selectable interest rates 
  • Immediate decisions
  • No medical referrals as standard 

Facts and Figures

Cover type

Detail

Level cover

 

Pays the cover amount as a lump sum if your client makes a successful claim.

The cover amount stays the same throughout the policy term.

Decreasing cover

Pays the cover amount as a lump sum if your client makes a successful claim.

The cover amount decreases each month broadly in line with the amount outstanding on a repayment loan, such as a capital and interest mortgage, using a fixed interest rate selected at the start of the policy.

Rates are available from 4% to 15%.

Limits

Criteria

Min/max  Detail

Notes

Simple Life cover

Min age at entry

Max age at entry

18

59

- Pays out on death or terminal illness.

- The plan must end before your client's 71st birthday.

Payment limits

Min premium

£3.50

- Premiums must be paid by direct debit.

Cover limits             

Max cover amount

18-39: £750k

40-49: £400k

50-54: £300k

55-59: £200k

 

Policy term

Min term

Max term

1 year

40 years

 

Support Services

Looking after your client and their family

When you recommend one of our personal protection policies to your client, you can relax, safe in the knowledge that we’ll be there for them and their families when it really matters.

Of course, this means we’ll be on hand with financial support if the worst should happen. But with our policies, you get so much more than that.

We're proud of the services we offer. Helping your clients to live more healthily and being there to support them and their family in the event of bereavement.

Claims

If your clients need to claim, we’ll do all we can to reduce their stress and anxiety at what is an incredibly difficult time. From help with filling out paperwork to answering questions, we’ll be there for your clients, and their families, when they need us most.

To make a claim, they can call the team on:

0800 158 3467

Monday-Friday 8:00am-6:00pm

Saturday 8:00am-2:00pm

Please be aware calls may be recorded

 

Or, if they can't face talking about what's happened, they can get the process started online instead.

Your client can fill in an online form to tell us they need to make a claim.

Quote, apply and track cases online

Visit ALPS

Business support

Doing protection business just got easier

We're committed to making it easy to do protection business with us, so we've produced a range of helpful support materials - all designed to save you time.

ALPS tracking guide

Knowing exactly what’s happening with your cases makes life so much easier. Take a look at our guide to learn how tracking can help your business.

ALPS in focus guide

Gain knowledge on what ALPS has to offer you, whilst discovering some of the tips and tricks that could save you time. 

Underwriting centre

Our digital hub contains everything you need to know about our underwriting.

Haven't found what you're looking for?

You can call our protection sales and support team on:

0800 056 2181

Open Monday-Friday, 9am-5pm.

Calls may be monitored or recorded.

Or, alternatively, see our contact us page for a full directory.